Insurance for Restaurants in Naples

Whether you have an existing restaurant or you’re just starting out, do you really know what coverage you need? Due to there being so many types of restaurants, there is a need for many different types of insurance coverage for restaurants.

Imagine you are opening a small restaurant. Not long after your great cooking and outstanding service results in your restaurant growing. As a savvy business owner, you start to sell liquor and also add a delivery service to help cater to the growing needs of your clients. Your revenue is different, your payroll is different, your inventory is different, and your overall liability is now different. If you never added coverage to fit your growing business, such as liquor liability, you may find out the hard way that your original policy was not designed for the now larger operation your small restaurant has bloomed into. There are a ton of coverage options that can be added or endorsed onto your policy to ensure the protection your policy offers will grow accordingly to how your restaurant (and its growing risks) grows. Smart business minds find ways to save money where they can, but they also know to protect their business from the loss they can’t afford to lose. The ironic thing with insurance is that to most people it seems too expensive but when they need it they never have enough. A wise (insurance) man once told me,

“Insurance is only expensive until you need it.”

The point is, you need a good agent that can help you decide on what you want to protect your business. So, look for an agent that you can communicate with. If you plan to grow your business, your insurance agent needs to be one of the first people to know what your plans are as to help make sure your coverage can grow right along with your business. If you don't feel like you can pick up the phone right now and discuss with your agent your restaurants operation now, and in the future, it may be time to find a new agent.